Cap'n Arbyte's


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Net Worth Report - End of 07/06

I don't have much commentary this month. The only noteworthy change is that my house appreciated by $6,000, if you trust And I find that difficult to do, because they say my house has appreciated $17,000 in the past three months. Ignore all that and I've been basically flat over the last quarter. (Still better than the overall market, which has been down about 3% over that period.)

Net Worth Figures

Recall that I'm defining "Adjusted Net Worth" as net worth excluding the value of autos and unvested stock. The "Estimated Contribution" is how much money I believe I'll need to invest in order to meet the following month's ANW target. A declining EC indicates that I'm ahead of plan, and an increasing EC indicates that I need to save more in order to reach my long-term goal.

Goal-Tracking Figures
Adjusted Net Worth$410,882.92$422,503.48
Next Month's Target$413,615.26$425,169.41
Estimated Contribution$368.22$269.89

My credit card balances are 100% backed by time deposits and/or savings accounts earning interest at a higher rate than I'm being charged by the credit card companies. The monthly payment is estimated as 2% of the balance. (Most credit cards are now using a 2% minimum payment, and due to this it is important to have a strong cash flow and/or pay with funds from your credit card arbitrage savings account.)

Credit Card Arbitrage Figures
Balances @ 0% APR$31,768.11$31,682.32
Monthly Payment$635.36$633.65

You can keep track of other personal finance bloggers at NetWorthIQ. I've updated my entry there.

Tiny Island